
%% Defining Dependent Variables

mortgage_rate = interest_exist_single_fam_home_contr-cpi_infl_10y_ahead;

indic_mm_full=[mortgage_rate]; % find first observation with values
first_obs = max(find(sum((isnan(indic_mm_full)),2)))+1+grdiff;
start=first_obs;

total_yr_vac=housing_yr_vacant./(housing_yr_vacant+housing_occupied)*100;
rent_price_ratio=((rent_cpi_nsa/rent_cpi_nsa(start))./(price_n/price_n(start)));
log_perm=log(permits_new_priv_house_sa_thousand)*100;
hh_form=100*net_household_formation(start:end)./number_households(start-grdiff:end-grdiff);
